The 10 Best Home Care Agencies for Seniors in Fresh Meadows, NY for 2024

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Fresh Meadows, NY, residents and their loved ones rate In Home Care agencies across the 63 options below.

Home care services in Fresh Meadows are slightly more costly than the New York state average of $5,339, and more than $570 above the national average. Fresh Meadows is not the most costly city in the state; seniors in Glens Falls pay an average of $234 per month more than in Fresh Meadows, and those in Ithaca pay $572 a month more for similar services. In contrast, Watertown and Buffalo have some of the most affordable home care services in New York State compared to Fresh Meadows.

Compared to assisted living services, home care in Fresh Meadows is relatively affordable, costing  $220 less per month. Home care offers assistance with housekeeping, errands, and tasks related to daily life. For limited medical care in the home, seniors may choose home health care. Those who require less support may opt for adult day health care. These services cost just $1,950 a month for activities at a community center during weekday business hours. Nursing home care is more than double that of home care, for 24-hour skilled nursing.

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

• Long-Term Care Insurance: Long-term care insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
• Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
• Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
• Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
• Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.